9 Zvinhu Zvandinokutadza Iwe Hazvizivi NezveRoth IRAs

by Dana Anspach

01 Roth IRA Contributions Inogona Kushandiswa seEergency Funds

Zvipo zveRoth hazvibvumi. Kubatsira kune izvi ndechokuti iwe unogona kubvisa zvipo zvako panguva ipi zvayo, nokuda kwechikonzero chero chipi zvacho, uye hapana mutero kana zvikwereti zvinoshanda. Nechirudzi urwu rwechisimba Roth inogona kudarika sechikwata chako chekukurumidzira .

Usati wagadzirira kushandisa Roth yako nekuda kweizvi, ramba uchiyeuka kuti tsanangudzo ye "mipiro" haisanganisi mari inoshandurwa kuRoth uye haina kusanganisira kuwanikwa kwekutsvaga. Semuenzaniso, kana ukaisa $ 5 500 mukati uye yakakura kusvika $ 6,000, iwe unogona kubvisa $ 5 500 yemipiro pasina mitero kana zvikwereti, asi mitero uye zvikwereti zvinogona kushanda kana iwe ukabvisa $ 500 yepfuma.

02 Vamwe Vanogona Kushandisa I-Non-deductible IRA Kuti Ibhadhe Roth

Kana iwe ukaita mari yakawandisa iwe haugoni kupa muRoth IRA ... kana iwe unogona? Vamwe vanhu vane mari yavo yose yekurasikirwa mukati memakambani ekubhadhara mari vanogona kubhadhara mari yeIRA yega yega yega uye vobva vashandura iyo kuRoth , saka gore negore vanobhadhara Roth IRA. Izvi dzimwe nguva zvinonzi " musuo kumashure Roth" .

Chinokosha pakuita basa iri pasina kubhadhara mitero yakawanda kuve nechokwadi kuti hauna mamwe maIra account. Mune zvimwe zviitiko unogona kunyora IRA inotungamirirwa zvakare muurongwa hwekambani kuitira kuti mumakore amangwana iwe ungashandisa musuo wemushure reRoth pasina kubhadhara mutero pamutengo wakashandurwa.

03 Unogona Kubhadhara Mushure Mutero 401 (k) Mipiro kune Roth IRA

Vazhinji vashandisi zvirongwa zvinokubvumira kuita mushure mekubhadhara mitero. Pakubata mari, iyi inotevera mitero yemitero inogona kuiswa muRoth IRA . Chero upi wekutsvaga mari pamitero inotevera mushure haikwanisi kupinda muRoth, asi mari yawakapiwa inogona.

Kana sarudzo yako yevashandi inopa chiitiko ichi iwe unogona kuunganidza mushure mekubhadhara mutero uye gare gare uchishandise kuti uwane mari yemberi Roth IRA. Izvi zvinobatsira mukurasika sezvo Roth IRA inobvisa mari isingabhadharwi uye haibatsiri zvimwe zvinhu pamutero wako wekubhadhara nenzira iyo tsika dzevanhu IRA dzinodzinga.

04 Roth IRAs Haina Chakudiwa Minimum Distributions (RMD's)

Chimwe chinhu chikuru pamusoro peRoth IRAs ndechekuti kusiyana nemadzitateguru eIRA hapana imwe nguva yaunofanira kutanga kutora mari kunze. Izvi zvinoreva kuti hakuna kubhadhara mutero bhomba kukumirira neRoth.

Vagari venhaka vasiri vagari venyika, zvisinei, vachafanirwa kutora kuparidzirwa kunoda kubva kuRoth , asi iyo kugoverwa ichava musero wekusununguka kwavari.

05 Unogona Kubatsira IRA YAKANAKA IRA uye Roth IRA

Iwe unogona kubhadhara Simple Simple uye Roth IRA. Comstock Images / Stockbyte / GettyImges

Chero bedzi kana mari yako yakagadziriswa iri pasi peRoth IRA muganhu wekubatsira iwe unogona kugovera kuRoth IRA pamwe neSIMPLE IRA kuitira kuti uwedzere zvauri kuchengetedza nekuda kwekurasikirwa. Mipiro yeHIMPLE ichaderedzwa uye zvipo zveRoth hazviiti.

Izvi zviviri zvinoshandisa mari yekupa mari inokupa mano ekuderedza mari yaunotora iko zvino uye mune mari muRoth inounganidza kubhadhara mitero mushure mekurega basa. Izvi zvinogona kubatsira kune mumwe munhu anozvishanda uye achiedza kuchengetedza zvakanyanya sezvinobvira mune ramangwana.

06 Mushandi Wepurogiramu Yako May Regai Zvipo zveRoth

Vakawanda 401 (k) zvirongwa zvinopa kukwanisa kuita zvipo zveRoth. Izvi zvinonzi "sarudzo yakasarudzwa yeRoth ." Tarisa newaunoshandira kuti aone kana chirongwa chavo chinokupa iwe kukwanisa kusarudza rudzi rwepi rwekupa iwe unoda kuita.

Nezvimwe zvirongwa zvinofanira kuva zvose Roth kana yese yekutere-deductible; zvimwe zvirongwa zvinokubvumira kuti uite zvimwe zveumwe neumwe. Kana hurongwa hwako hwebashandi hahuri kubvumira zvipo zveRoth kuti zvikumbire kuti vauwedzere nguva inotevera apo vanogadzirisa hurongwa hwavo.

07 Mhembera Haisi Icho Chinhu Chikuru Kwazvo Mukusarudza Kana Unofanira Kuda Roth

Uchenjeri huri pakati pevamwe hunoti muduku iwe iwe nguva yakawanda iwe une mari yekukura musero pasina mukati reRoth. Ichokwadi, nguva yakawanda inoita kuti Roths ive nani, asi makore haisi iyo inokosha yekushandisa pakusarudza kana kubhadhara IRA kana Roth IRA. Chinhu chikuru chekushandisa ndeyebhadha yako yemutero; zvose zviri mumucheto wemutero unotora ikozvino, uye yako inotarisirwa kumucheto kwero mukutora basa.

Kana iwe unotarisirwa mutero wekutora muhutano hungave wakaderera kudarika mutero wako ikozvino, zvipo zvakabviswa zvingave zviri nani. Kana mutero wako wekubhadhara uchitsvaga unogona kunge wakafanana kana wakakwirira mukurasira (iyo inowanzova iyo yevaya vane 401 (k) kana IRA accounts) kupfuura Roth inogona kuita pfungwa dzakawanda kwauri.

08 Iwe Unogona Kugona Kuita Mukadzi Wemudzimai Roth Contribution

Kunyange kana wawakaroorana naye asina mari yaakagamuchira chero bedzi wawana mari iwe unogona kuita mupiro weIRA panzvimbo yavo. Izvi zvinonzi muvakidzani weIRA munharaunda. Vakawanda vakaroorana vanogona kuwedzera kaviri kubhadhara mari yavo yekubhadhara mari nekushandisa mari iyi.

Bvunza mubhadhadzi wako kana mutungamiri wezvemari kana zvikwereti zvako zvakadai kuti iwe unokodzera kuita mhirizhonga yeRoth. Kana iwe uchikodzera Roth asi funga kuti hauna mari yekuita mupiro kutarisa maminiti ekupedzisira IRA rubatsiro rwekubhadhara kwemamwe mazano ekusika.

09 Roth Shanduro yekutora Miss Zvimwe

Iwe unogona kutenderera tsika dzeIRA kana 401 (k) mari kuRoth. Vakawanda vekutsvaga muIndaneti vanogadzira migumisiro yekutengeserana kwakadaro kukubatsira kuona kana zvingave zvine musoro kwauri - zvisinei, pane zvinhu zvakawanda izvi zviri paIndaneti kutendeuka kwevatori vematora .

Semuenzaniso, havakwanisi mune ramangwana ramangwana reIRA rinobvisa uye kuti rinobata sei mutero weSocial Security yako. A Roth inogona kubatsira kuderedza kushanda kweizvi. Paunoshandisa zvinhu zvose, pane dzimwe nguva zviitiko zveRoth zvinogona kuve zvakakosha kupfuura inyanzvi dzekuInternet zvingakutungamirira iwe kuti utende.